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STAN

Standard Chartered Bank BotswanaBSM:STANCHART Stock Report

Market Cap

P565.1m

7D

0%

1Y

34.5%

Updated

21 Oct, 2021

Data

Company Financials
STANCHART fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance2/6
Financial Health4/6
Dividends2/6

STANCHART Overview

Standard Chartered Bank Botswana Limited provides banking products and services in Botswana.

Price History & Performance

Summary of all time highs, changes and price drops for Standard Chartered Bank Botswana
Historical stock prices
Current Share PriceP1.91
52 Week HighP0
52 Week LowP0
Beta-0.081
1 Month Change0%
3 Month Change3.24%
1 Year Change34.51%
3 Year Change-50.39%
5 Year Change-75.48%
Change since IPO371.61%

Recent News & Updates

Shareholder Returns

STANCHARTBW BanksBW Market
7D0%-0.05%0.1%
1Y34.5%24.5%1.0%

Return vs Industry: STANCHART exceeded the BW Banks industry which returned 25.9% over the past year.

Return vs Market: STANCHART exceeded the BW Market which returned 1% over the past year.

Price Volatility

Is STANCHART's price volatile compared to industry and market?
STANCHART volatility
STANCHART Beta-0.081
Industry Beta0.68
Market Beta1

Stable Share Price: STANCHART is not significantly more volatile than the rest of BW stocks over the past 3 months, typically moving +/- 1% a week.

Volatility Over Time: STANCHART's weekly volatility (1%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1897600Mpho Masupehttps://www.sc.com/bw

Standard Chartered Bank Botswana Limited provides banking products and services in Botswana. It operates in two segments, Corporate, Commercial and Institutional Banking, and Retail Banking. The company offers personal banking products and services, such as current, call, and savings accounts; fixed deposits; personal, auto, and home loans; credit cards; insurance products; and foreign exchange services.

Standard Chartered Bank Botswana Fundamentals Summary

How do Standard Chartered Bank Botswana's earnings and revenue compare to its market cap?
STANCHART fundamental statistics
Market CapP565.06m
Earnings (TTM)P18.36m
Revenue (TTM)P727.35m

30.8x

P/E Ratio

0.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
STANCHART income statement (TTM)
RevenueP727.35m
Cost of RevenueP15.81m
Gross ProfitP711.54m
ExpensesP693.18m
EarningsP18.36m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.062
Gross Margin97.83%
Net Profit Margin2.52%
Debt/Equity Ratio67.1%

How did STANCHART perform over the long term?

See historical performance and comparison

Dividends

8.4%

Current Dividend Yield

258%

Payout Ratio

Valuation

Is Standard Chartered Bank Botswana undervalued compared to its fair value and its price relative to the market?

30.78x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate STANCHART's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate STANCHART's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: STANCHART is poor value based on its PE Ratio (30.8x) compared to the African Banks industry average (6.6x).

PE vs Market: STANCHART is poor value based on its PE Ratio (30.8x) compared to the BW market (10.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate STANCHART's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: STANCHART is good value based on its PB Ratio (0.5x) compared to the XF Banks industry average (0.9x).


Future Growth

How is Standard Chartered Bank Botswana forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

19.4%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Standard Chartered Bank Botswana has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Standard Chartered Bank Botswana performed over the past 5 years?

27.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: STANCHART has high quality earnings.

Growing Profit Margin: STANCHART's current net profit margins (2.5%) are lower than last year (15%).


Past Earnings Growth Analysis

Earnings Trend: STANCHART's earnings have grown significantly by 27.3% per year over the past 5 years.

Accelerating Growth: STANCHART's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: STANCHART had negative earnings growth (-84.4%) over the past year, making it difficult to compare to the Banks industry average (11%).


Return on Equity

High ROE: STANCHART's Return on Equity (1.7%) is considered low.


Financial Health

How is Standard Chartered Bank Botswana's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: STANCHART's Assets to Equity ratio (13.9x) is moderate.

Allowance for Bad Loans: STANCHART has a low allowance for bad loans (97%).

Low Risk Liabilities: 92% of STANCHART's liabilities are made up of primarily low risk sources of funding.

Loan Level: STANCHART has an appropriate level of Loans to Assets ratio (59%).

Low Risk Deposits: STANCHART's Loans to Deposits ratio (69%) is appropriate.

Level of Bad Loans: STANCHART has a high level of bad loans (2.4%).


Dividend

What is Standard Chartered Bank Botswana current dividend yield, its reliability and sustainability?

8.38%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: STANCHART's dividend (8.38%) is higher than the bottom 25% of dividend payers in the BW market (4.27%).

High Dividend: STANCHART's dividend (8.38%) is in the top 25% of dividend payers in the BW market (7.98%)


Stability and Growth of Payments

Stable Dividend: STANCHART's dividend payments have been volatile in the past 10 years.

Growing Dividend: STANCHART's dividend payments have fallen over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (257.8%), STANCHART's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.2yrs

Average management tenure


CEO

Mpho Masupe

4yrs

Tenure

Mr. Mpho Calvin Masupe has been the Chief Executive Officer at Standard Chartered Bank Botswana Limited since October 1, 2017 and served as its Chief Financial Officer since March 2013 and serves as its Ma...


Leadership Team

Experienced Management: STANCHART's management team is not considered experienced ( 0.2 years average tenure), which suggests a new team.


Board Members

Experienced Board: STANCHART's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Standard Chartered Bank Botswana Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Standard Chartered Bank Botswana Limited
  • Ticker: STANCHART
  • Exchange: BSM
  • Founded: 1897
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: P565.063m
  • Shares outstanding: 295.84m
  • Website: https://www.sc.com/bw

Number of Employees


Location

  • Standard Chartered Bank Botswana Limited
  • Standard House Building
  • 5th Floor
  • Gaborone
  • Botswana

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/21 20:59
End of Day Share Price2021/10/21 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.